{"id":304797,"date":"2026-01-15T10:55:00","date_gmt":"2026-01-15T15:55:00","guid":{"rendered":"https:\/\/mp-2702.milesopedia.dev\/?p=304797"},"modified":"2026-05-09T05:30:10","modified_gmt":"2026-05-09T05:30:10","slug":"wealthsimple-chequing-account","status":"publish","type":"post","link":"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/wealthsimple-chequing-account\/","title":{"rendered":"Wealthsimple Chequing Account: A free alternative to traditional chequing accounts (+ $25 cash back with this offer)"},"content":{"rendered":"\n<p><a target=\"_blank\" title=\"Wealthsimple\" href=\"\/go\/wealthsimple\/\" rel=\"noindex\">Wealthsimple<\/a> is an investment management company founded in 2014 in Canada. It offers five different financial services: <a title=\"Wealthsimple - Investment Portfolios\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-investment-portfolio\/\" rel=\"noindex\">Wealthsimple managed investing<\/a>, <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple Chequing<\/a>, <a title=\"Wealthsimple - Investment Services\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-stock-trading\/\" rel=\"noindex\">Wealthsimple Trade<\/a> (formerly self-directed investing), <a title=\"Wealthsimple - Cryptocurrency Platform\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-crypto-platform\/\" rel=\"noindex\">Wealthsimple Crypto<\/a> and <a target=\"_blank\" title=\"Wealthsimple - Tax Software\" href=\"\/go\/wealthsimple-tax-software\/\" rel=\"noindex\">Wealthsimple Tax<\/a>.<\/p>\n\n\n\n<p>Their recently enhanced <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple Chequing<\/a> product offers a hybrid between a chequing account, a savings account and a prepaid Mastercard with rewards. Let&#8217;s explore its features in detail.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/09\/ws-auto-invest.png\" alt=\"Wealthsimple Chequing Account: A free alternative to traditional chequing accounts (+ $25 cash back with this offer) - ws auto invest\" class=\"wp-image-303202\"\/><\/figure>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>I am not a financial advisor. The information presented in this article is for informational purposes only and comes from my experience using the platform. Before making any significant financial decisions, please consult an expert for advice tailored to your situation.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-wealthsimple-chequing-account\">What is a Wealthsimple Chequing account?<\/h2>\n\n\n\n\n\n<p><a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">The Wealthsimple chequing account<\/a> is much more than just a bank account. It&#8217;s a comprehensive financial platform designed to simplify and optimize your money management. Whether you are managing your daily expenses, saving for short-term goals, or planning your long-term financial future, <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">the Wealthsimple chequing account<\/a> has everything you need.<\/p>\n\n\n\n<p>For travellers, this account and its associated prepaid Mastercard represent an excellent option to avoid <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/best-credit-cards-in-canada\/forex\/\">conversion fees<\/a> on foreign currency expenses and to withdraw money from international ATMs at a lower cost.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"381433\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>The prepaid Mastercard is NOT a traditional credit card. It is a prepaid Mastercard that draws funds directly from your chequing account. Thus, your <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/personal-finance\/credit-score\/credit-card-to-build-credit-canada\/\">credit report<\/a> will not be checked during the application, and your balance will not be reported to credit agencies.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-benefits-of-the-wealthsimple-chequing-account\">Benefits of the Wealthsimple Chequing account<\/h2>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='l'\n\t\t\t\tdata-post_type='bank_account'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_bank_account container_template--l container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"bank_account_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"397070\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card mcs-bank_account\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"product-image-wrapper\">\n\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-traditional-chequing-account-features\">Traditional Chequing Account Features<\/h3>\n\n\n\n<p>With a Wealthsimple Chequing account, you can:<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Shop wherever Mastercard is accepted<\/li>\n\n\n\n<li>Receive direct deposits like your payroll<\/li>\n\n\n\n<li>Send and receive INTERAC e-transfers<\/li>\n\n\n\n<li>Pay your bills<\/li>\n\n\n\n<li>Pre-authorized debits (cell phone bills, for example)<\/li>\n\n\n\n<li>Automatically invest your paycheck<\/li>\n<\/ul><\/div>\n\n\n\n<p>Plus, there&#8217;s no limit to the number of transactions you can make in a month. Deposits are insured by the <a target=\"_blank\" href=\"https:\/\/help.wealthsimple.com\/hc\/fr-ca\/articles\/14905388487579\">Canada Deposit Insurance Corporation<\/a> (CDIC) up to $1,000,000.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"247126\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-high-interest-savings-account\">A High-Interest Savings Account<\/h3>\n\n\n\n<p>In addition to all the functions of a traditional chequing account, the <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple chequing account<\/a> is also a high-interest savings account.<\/p>\n\n\n\n<p>The interest rate offered in the <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple checking account<\/a> varies between 1.25% and 2.25% annually. All clients receive a minimum of 1.25% interest, then may qualify for higher rates based on their assets under management across all their combined <a target=\"_blank\" title=\"Wealthsimple\" href=\"\/go\/wealthsimple\/\" rel=\"noindex\">Wealthsimple<\/a> accounts.<\/p>\n\n\n\n<p>Here are the eligibility requirements for each Wealthsimple tier:<\/p>\n\n\n\n<div class=\"component component__table\"><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Wealthsimple Tier<\/td><td class=\"has-text-align-center\" data-align=\"center\">Assets with Wealthsimple<\/td><td class=\"has-text-align-center\" data-align=\"center\">Interest Rate<\/td><\/tr><\/thead><tbody><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Core<\/td><td class=\"has-text-align-center\" data-align=\"center\">Less than $100,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.25%<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Premium<\/td><td class=\"has-text-align-center\" data-align=\"center\">Between $100,000 and $499,999<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.75%<\/td><\/tr><tr style=\"height: 24px;\"><td class=\"has-text-align-center\" data-align=\"center\">Generation<\/td><td class=\"has-text-align-center\" data-align=\"center\">More than $500,000<\/td><td class=\"has-text-align-center\" data-align=\"center\">2.25%<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n\n\n<p>These current rates are not promotional. They will remain as such until Wealthsimple decides to change them, in accordance with the recommendations and policy interest rate of the Bank of Canada.<\/p>\n\n\n\n<p>Interest is calculated daily and deposited monthly (on the first day of the month) into your <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple Chequing account<\/a>.<\/p>\n\n\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\n\n<p>As the <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple chequing account<\/a> is an unregistered account, the accumulated interest is taxable. You will receive tax slips at the end of the year, and you will need to report your earnings on your tax return.<\/p>\n\n\t<\/div>\n<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"247124\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-bonus-for-direct-deposits\">A Bonus for Direct Deposits<\/h3>\n\n\n\n<p><a target=\"_blank\" href=\"https:\/\/promotions.wealthsimple.com\/hc\/en-ca\/articles\/20637203913883-0-5-Interest-Rate-Boost-with-Direct-Deposits\">Since 2023<\/a>, the interest rate is increased by 0.5% (up to a total rate of 2.25%) if you choose the <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple chequing account<\/a> as the account for your direct deposits.<\/p>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Direct deposits can take many forms, such as a paycheck, pension, government income or others;<\/li>\n\n\n\n<li>To be eligible for the bonus, you must receive direct deposits totalling $2,000 over a 30-day period;<\/li>\n\n\n\n<li>The minimum amount can be reached in a single deposit or in several;<\/li>\n\n\n\n<li>This is not a limited-time promotion. The premium rate will remain in effect until Wealthsimple decides to withdraw it.<\/li>\n<\/ul><\/div>\n\n\n\n<p>The offer is also valid for clients who already use the <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple chequing account<\/a> to receive their direct deposits. Upon the next deposit, Wealthsimple will check if you have received more than $2,000 in the last 30 days and will automatically adjust the interest rate.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1600\" height=\"865\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/09\/wealthsimple-cheque.png\" alt=\"Wealthsimple Chequing Account: A free alternative to traditional chequing accounts (+ $25 cash back with this offer) - wealthsimple chequing\" class=\"wp-image-332150\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/09\/wealthsimple-cheque.png 1600w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/09\/wealthsimple-cheque-450x243.png 450w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/09\/wealthsimple-cheque-1024x554.png 1024w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/09\/wealthsimple-cheque-200x108.png 200w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2023\/09\/wealthsimple-cheque-768x415.png 768w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wealthsimple-chequing-account-for-travellers\">Wealthsimple Chequing Account for Travellers<\/h2>\n\n\n\n<p>When travelling outside Canada, the prepaid Mastercard offers valuable benefits.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t\t\t\t<h2 id=\"wealthsimple_prepaid_mastercard\">Wealthsimple Prepaid Mastercard<\/h2>\n\t\t\t\t<p>With the Wealthsimple Prepaid Mastercard, you can access your available funds in your Wealthsimple Cash account.<\/p>\n<p>With this welcome offer, you can get <strong>$25 cash back<\/strong> as a new Wealthsimple client. To do this, you simply need to open an account and then deposit at least $1 within 30 days. <\/p>\n<p>You can invest your money in an investment account or a cryptocurrency of your choice. Also, you earn <span style=\"margin: 0px;padding: 0px\"><strong>interest<\/strong><\/span><strong> on your Wealthsimple Cash account balance<\/strong>! Wealthsimple Generation clients can earn an interest rate of up to 2.25%. <\/p>\n<p>In addition, there are <strong>no foreign transaction fees<\/strong> for any purchase made in a currency other than the Canadian dollar and <strong>no annual fees<\/strong>.<\/p>\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"381433\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-free-atm-withdrawals\">Free ATM Withdrawals<\/h3>\n\n\n\n<p>The Wealthsimple Prepaid Mastercard does not charge any fees for ATM withdrawals worldwide. Fees will be charged by the ATM provider (usually around CAD 3), but Wealthsimple reimburses these fees automatically up to $5 per transaction.<\/p>\n\n\n\n<p>Unlike <a title=\"Wise\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wise-visa-card\/\" rel=\"noindex\">the Visa Wise prepaid card<\/a>, there is no monthly limit on free withdrawals. ATM withdrawal limits are set at the equivalent of CAD $3,000 per day and CAD $10,000 per week.<\/p>\n\n\n\n<p>The <strong>prepaid Mastercard<\/strong> is accepted worldwide, anywhere Mastercard is accepted. However, restrictions apply in certain countries. You will not be able to use the card in these destinations for either withdrawals or transactions. The full list of excluded countries can be found <a target=\"_blank\" href=\"https:\/\/help.wealthsimple.com\/hc\/en-ca\/articles\/4414654570651\">here<\/a>.<\/p>\n\n\n\n<p>For these locations, the <a title=\"Wise\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wise-visa-card\/\" rel=\"noindex\">Wise<\/a> card is a <a href=\"https:\/\/mp-2702.milesopedia.dev\/en\/?p=445910\">good alternative for ATM withdrawals<\/a>. Since both Wise and the <strong>Wealthsimple Chequing<\/strong> account are free cards, I signed up for both. In addition, I carry both cards in my travel wallet (in addition to my <a target=\"_blank\" title=\"Scotiabank Passport\u2122 Visa Infinite +* Card\" href=\"\/go\/scotiabank-passport-visa-infinite-card\/\" rel=\"noindex\">Scotiabank Passport Visa Infinite<\/a>) in case I lose one or my account is blocked. The perfect trio for travel!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-simple'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-simple container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22642,22640,381436\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"48056,88339\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-open-a-wealthsimple-chequing-account\">How to Open a Wealthsimple Chequing Account<\/h2>\n\n\n\n<p>The features of the <a title=\"Wealthsimple Chequing\" href=\"https:\/\/mp-2702.milesopedia.dev\/en\/go\/wealthsimple-cash\/\" rel=\"noindex\">Wealthsimple chequing account<\/a> are available in the mobile app and on the <a target=\"_blank\" title=\"Wealthsimple\" href=\"\/go\/wealthsimple\/\" rel=\"noindex\">Wealthsimple<\/a> website.<\/p>\n\n\n\n<p>All account types with <strong>Wealthsimple<\/strong> are now unified in the same application with a single username and password. To open an account, you must be a Canadian resident, have reached the age of majority in your province and have a valid Canadian telephone number.<\/p>\n\n\n\n<p>The process is fairly straightforward, and once you&#8217;ve created your <strong>Wealthsimple<\/strong> login and verified your e-mail address, you can open your first account. Verification of your phone number will also be required.<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/ouvrir-comptes-cheque-3-EN.png\" alt=\"Wealthsimple Chequing Account: A free alternative to traditional chequing accounts (+ $25 cash back with this offer) - open chequing accounts 3 FR\" class=\"wp-image-468501\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-medium\"><img decoding=\"async\" width=\"250\" height=\"160\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/ouvrir-compte-cheque-2-EN.png\" alt=\"Wealthsimple Chequing Account: A free alternative to traditional chequing accounts (+ $25 cash back with this offer) - open chequing account 2 FR\" class=\"wp-image-468505\"\/><\/figure>\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"component component__list\"><ul class=\"wp-block-list\">\n<li>Once your chequing account is open, you will have access to a virtual card to use with a virtual wallet (Apple Pay, Google Pay, Samsung Pay) and for online purchases.<\/li>\n\n\n\n<li>To receive a physical card, you must request one from the app or website. You will receive it by mail within 10 to 14 business days.<\/li>\n<\/ul><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"704\" height=\"968\" src=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/carte-prepayee-mastercard-EN.png\" alt=\"Wealthsimple Chequing Account: A free alternative to traditional chequing accounts (+ $25 cash back with this offer) - prepaid mastercard FR\" class=\"wp-image-468534\" srcset=\"https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/carte-prepayee-mastercard-EN.png 704w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/carte-prepayee-mastercard-EN-327x450.png 327w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/carte-prepayee-mastercard-EN-145x200.png 145w, https:\/\/mp-2702.milesopedia.dev\/wp-content\/uploads\/2025\/10\/carte-prepayee-mastercard-EN-559x768.png 559w\" sizes=\"(max-width: 704px) 100vw, 704px\" \/><\/figure>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"230633\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>In summary, the <a target=\"_blank\" title=\"Wealthsimple\" href=\"\/go\/wealthsimple\/\" rel=\"noindex\">Wealthsimple chequing account<\/a> offers a complete and convenient financial solution, with a chequing account, a high-interest savings account, and a prepaid Mastercard.<\/p>\n\n\n\n<p>It is a modern and fee-free option, ideal for all-in-one financial management, whether you travel or are looking to simplify your finances!<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"381433\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wealthsimple-chequing-account-frequently-asked-questions\">Wealthsimple Chequing Account Frequently Asked Questions<\/h2>\n\n\n<aside class=\"component component__faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_is_the_wealthsimple_chequing_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat is the Wealthsimple Chequing account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Wealthsimple Chequing account is an all-in-one financial platform that combines the features of a chequing account, a prepaid Mastercard, a high-interest savings account, and an investment solution. The mobile app aims to simplify everyday money management.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_fees_are_associated_with_the_wealthsimple_chequing_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat fees are associated with the Wealthsimple Chequing account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Wealthsimple Chequing account does not charge monthly account fees, annual fees for the prepaid Mastercard, or fees for ATM withdrawals. However, potential charges apply for additional services such as instant transfers to external accounts.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"will_the_prepaid_mastercard_affect_my_credit_score_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWill the prepaid Mastercard affect my credit score?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, prepaid Mastercard cards are Mastercard Debit cards. Card membership won&#8217;t &#8220;hit&#8221; your credit report, and spending won&#8217;t be reported to the credit bureaus either.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_the_wealthsimple_chequing_account_charge_conversion_fees_for_foreign_currency_transactions_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes the Wealthsimple Chequing account charge conversion fees for foreign currency transactions?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>No, the Wealthsimple Chequing account does not charge the usual 2.5% fee for foreign currency transactions. The amount will be converted into Canadian dollars at the <a target=\"_blank\" href=\"https:\/\/www.mastercard.ca\/fr-ca\/consommateurs\/obtenir-de-l-assistance\/convertir-la-devise.html'\">Mastercard rate of the day<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_withdraw_cash_with_my_prepaid_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I withdraw cash with my prepaid Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, you can use your prepaid Mastercard to withdraw cash at ATMs anywhere Mastercard is accepted. These transactions are free of charge on the Wealthsimple side, but the ATMs charge their own fees.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_make_interac_transfers_to_other_people_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I make Interac transfers to other people?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, the Wealthsimple Chequing account offers Interac e-Transfers and instant transfers to other Wealthsimple Chequing accounts. Registration is required.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_i_open_a_joint_account_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan I open a joint account?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Clients can open joint chequing accounts through the Wealthsimple mobile app, with a limit of up to 8 joint accounts per person.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"how_does_the_automatic_savings_option_work_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tHow does the automatic savings option work?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>The Roundup feature was discontinued as of April 11, 2025<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_the_wealthsimple_chequing_account_safe_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs the Wealthsimple Chequing account safe?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, data security is a priority for Wealthsimple. Your personal and financial information is encrypted and protected according to the same security standards as all Canadian banks.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_the_wealthsimple_chequing_account_available_in_all_countries_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs the Wealthsimple Chequing account available in all countries?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>To open a Wealthsimple Chequing account, you must be a resident of Canada. You can use the Mastercard in most countries, except for the exceptions <a target=\"_blank\" href=\"https:\/\/help.wealthsimple.com\/hc\/en-ca\/articles\/4414654570651\">listed here<\/a>.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>\n\n\n\n<p><em>Terms and conditions apply. For the most up-to-date product details, please visit Wealthsimple.com. <\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>The Wealthsimple Cash account combines a chequing account, a high-interest savings account, and a prepaid Mastercard, all with no monthly fees! 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